Right at Home

Each policy is different, so you will need to work closely with your broker or agent to make sure you choose the coverage you need. But in general, most comprehensive long-term care policies pay for in-home care if you need help with the activities of daily living like dressing and hygiene, or household tasks like cooking and light housekeeping, which can mean the difference between living at home and moving to a nursing home.

The key difference between a caretaker and a caregiver is that a caregiver is someone who looks after a person who needs care and support, both physically and emotionally, whereas a caretaker typically refers to a person who is in charge of the maintenance of a building or estate, or someone who temporarily performs the duties of an office. A caregiver is a relatively newer term than caretaker, and is a person who provides direct care for children, the elderly, those who are disabled or chronically ill, or others who need assistance.